We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 157985 results
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Decision Reference DRN-5212180
16 Dec 2024 Topaz Finance Limited UpheldMortgagesDRN-5212180 The complaint Mr and Mrs C complain that Topaz Finance Limited trading as Melanite Mortgages had incurred excessive solicitors’ costs in its dispute with them over unfinished work on their home, then added these costs to their mortgage. What happened Mr and Mrs C asked our s... (5 pages)View decision -
Decision Reference DRN-5214435
16 Dec 2024 Dromara & Drumgooland Credit Union Limited UpheldConsumer CreditDRN-5214435 The complaint Mr M complains that Dromara & Drumgooland Credit Union Limited (“the Credit Union”) has unfairly declined his application for a loan. What happened In May 2023, Mr M applied for a £60,000 loan through the Credit Union which was declined. The Credit Union w... (6 pages)View decision -
Decision Reference DRN-5214080
16 Dec 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5214080 The complaint A limited company, which I’ll refer to as ‘R’, is unhappy that HSBC UK Bank Plc defaulted its Bounce Back Loan (“BBL”) without prior notice or warning. R’s complaint is brought to this service by its director, whom I’ll refer to as ‘Mr J’, What happened In Ju... (5 pages)View decision -
Decision Reference DRN-5126914
16 Dec 2024 Topaz Finance Limited Not upheldMortgagesDRN-5126914 The complaint Mr P is unhappy with how Topaz Finance Limited trading as Rosolite Mortgages (Rosolite) dealt with the repossession of his property. The main issue that Mr P has is that Rosolite, marketed the property as a three-bedroom maisonette when it was in fact a five-be... (5 pages)View decision -
Decision Reference DRN-5156039
16 Dec 2024 Amplifi Capital (U.K.) Limited UpheldConsumer CreditDRN-5156039 The complaint Mrs M complains that Amplifi Capital (UK) Limited trading as My Community Finance (“MCF”) defaulted her account. What happened Mrs M holds a loan agreement with MCF. On 2 December 2023 Mrs M requested a two-month payment break. MCF responded on 14 December 2023... (3 pages)View decision -
Decision Reference DRN-5086736
16 Dec 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-5086736 The complaint Mr R complains Santander UK Plc (“Santander”) didn’t close his accounts with them on the dates they’d given. What happened Mr R said after giving him notice that it was closing his accounts Santander didn’t close them when it had promised to. He said Santander ... (3 pages)View decision -
Decision Reference DRN-4976867
16 Dec 2024 Nationwide Independent Consultants Ltd Not upheldMortgagesDRN-4976867 The complaint Mr and Mrs W have complained about the advice they received from Nationwide Independent Consultants Ltd in 2021 when their preferential interest rate product was coming to an end on their mortgage. Mr and Mrs W are represented in bringing this complaint by a cl... (4 pages)View decision -
Decision Reference DRN-5191424
16 Dec 2024 The Co-operative Bank Plc UpheldMortgagesDRN-5191424 The complaint Miss M complains about the way in which The Co-operative Bank Plc (Co-op) handled her application to switch her mortgage product and add her partner to the mortgage. What happened Miss M had a mortgage with Co-op that was on an interest rate product which expir... (3 pages)View decision -
Decision Reference DRN-5151519
16 Dec 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-5151519 The complaint Mr H has complained that Nationwide Building Society (“Nationwide”) has decided to increase the cost of the FlexPlus packaged bank account by £5 per month, from December 2024. What happened After Mr H was notified of the increase in the monthly account fee, he ... (3 pages)View decision -
Decision Reference DRN-4755040
16 Dec 2024 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-4755040 The complaint Mr M complains that a finance agreement he entered into with BMW Financial Services (GB) Limited (BMWFS) was mis-sold to him. What happened Mr M entered into a four-year HP (PCP - Personal Contract Purchase) agreement with BMWFS in December 2022 to fund the pro... (2 pages)View decision
